For the short term, I will take David Grootwassink's advice and
move the user's files (/home stuff) to the server and swap on the local disk.
(A few respondents warn of the wrath of the network gods and cycle demons
that will rain down upon me if I swap over NFS.)

Long term is to leave the user's files on the server, upgrade the client
to 4.1 so I can get that nice juicy tmpfs /tmp with all this swap
space I have now.